Capital One Spark Cash Plus vs Capital One Venture X
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Capital One Venture X wins 2-1. Premium travel, $395 fee easily offset by $300 travel credit + 10K anniversary miles. Capital One Spark Cash Plus is still the right call if high-spend small business, 2% flat with $1,200 welcome..
Side-by-side
| Criterion | Capital One Spark Cash Plus | Capital One Venture X |
|---|---|---|
| Annual fee | $150 | · $395 |
| Joining fee | = None | = None |
| Top reward rate | · 2% (general) | 10% (travel) |
| Base reward rate | = 2% | = 2% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = $1,200 cash bonus after $30,000 spend in first 3 months | = 75,000 miles after $4,000 spend in first 3 months |
| Fee waiver threshold | = No waiver | = No waiver |
| Min income | = None stated | = None stated |
| Min credit score | = 720 | = 720 |
| Editorial rating | · 4.5/5 | 4.7/5 |
Benefits compared
Capital One Spark Cash Plus
- Unlimited 2% cashback on every purchase
- 5% on hotels and rental cars via Capital One Travel
- No preset spending limit
- Annual fee refund of $150 if you spend $150K/year
- No foreign transaction fees
Capital One Venture X
- 10x miles on hotels + rental cars via Capital One Travel
- 2x miles on every purchase
- $300 annual Capital One Travel credit
- 10,000 miles anniversary bonus (worth $100)
- Unlimited Priority Pass + Capital One Lounges access
- Up to $100 Global Entry/TSA PreCheck credit
FAQ
›Capital One Spark Cash Plus vs Capital One Venture X: which is better?
Capital One Venture X wins on more dimensions (2 vs 1). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use Capital One Spark Cash Plus for its best categories, Capital One Venture X for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Capital One Spark Cash Plus: $1,200 cash bonus after $30,000 spend in first 3 months. Capital One Venture X: 75,000 miles after $4,000 spend in first 3 months.